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Choosing a Credit Card. Illustration of a card holder filled with credit cards with various credit cards behind it.

Survey of Credit Card Plans

Every six months the Federal Reserve System surveys the terms of credit card plans offered by financial institutions and publishes a report of the findings. The report includes information from the largest credit card issuers in the country as well as other financial institutions that wish to participate in the survey. The credit terms shown in the accompanying list are as of July 31, 2008, and are subject to change. You should contact issuers for current rates and to learn about other credit card plans.

 

 

You can download historical data from the semi-annual survey of Credit Card Plans available from 1990.  Information is collected in this survey on Form 2572. The survey was initiated on January 31, 1990; it was discontinued prior to the July 2000 reporting date pursuant to the Federal Reports Elimination and Sunset Act of 1995.  The American Homeownership and Economic Opportunity Act of 2000 reinstated the survey, which began again in July 2002.

Microsoft Excel (69 MB)
CSV format:
Data List (5 KB) | January 31, 1990 - July 31, 1994 (6 MB) |
January 31, 1995 - January 31, 2000 (15 MB) | July 31, 2000 - Present (12 MB)

Survey Report by Name of Financial Institution
July 31, 2008

Key to codes used in survey (will open a new window)

Sorted by Financial Institution | Sorted by Annual Fee

Institution Availability and Credit Card Plan Annual Percentage Rate Type of Pricing Index Grace Period (days) Annual Fee Other Features Telephone
FIRST COMMAND BANK N- VISA PLATINUM 6.00 V 1 30 0 2,4,6, (888) 763-7600
PULASKI BANK AND TRUST COMPANY N- VISA CLASSIC / STANDARD 6.50 F 0 25 35 9, (800) 217-7715
SUNFLOWER BANK, NATIONAL ASSOCIATION N- VISA 6.65 V 1 25 0 3,4,6, (888) 827-5564
FIRST TENNESSEE BANK NATIONAL ASSOCIATION MEMPHIS R- VISA 6.90 V 1 25 0 4,6,9, (800) 234-2840
U.S. BANK NATIONAL ASSOCIATION ND R- VISA 6.90 V 1 25 0 9, (800) 285-8585
RBS CITIZENS, NATIONAL ASSOCIATION N- CITIZENS MASTERCARD PLATINUM 6.99 F 0 20 0 2,4,6,10, (888) 333-5145
HILLS BANK AND TRUST COMPANY IA- VISA PLATINUM 7.00 V 1 25 0 N.R. (800) 445-5725
FIRSTMERIT BANK, N.A. R- VISA PLATINUM 7.50 V 1 25 0 2,4,6,9, (888) 554-4362
3 NORTH MAIN STREET OH- VISA GOLD 7.50 V 1 30 50 4, (419) 525-8791
CHASE BANK USA, NATIONAL ASSOCIATION N- VISA 7.99 F 0 20 0 N.R. (888) 684-7370
TOWN NORTH BANK NEVADA, NATIONAL ASSOCIATION N- MASTERCARD 7.99 V 1 20 0 4,8,9, (800) 820-8417
FIRST-CITIZENS BANK & TRUST COMPANY R- VISA GOLD 8.00 V 1 25 0 4,10, (540) 561-4707
IRONSTONE BANK R- VISA PLATINUM 8.00 V 1 25 0 4, (540) 561-4707
NORTH SIDE BANK AND TRUST COMPANY, THE R- VISA 8.00 V 1 25 0 3,6,10, (513) 542-7800
FRANKLIN TEMPLETON BANK & TRUST F.S.B. N- PLATINUM MASTERCARD 8.49 V 1 25 0 2,3,4,6,10, (800) 238-2761
S & T BANK PA- VISA CLASSIC 8.50 V 1 25 15 4,6,10, (800) 325-2265
BANCORPSOUTH BANK R- MASTERCARD 8.90 V 1 30 0 N.R. (800) 844-2723
COLUMBUS BANK AND TRUST COMPANY N- PLATINUM 8.90 V 1 25 0 N.R. (800) 543-8227
FIRST COMMERCIAL BANK AL- VISA PLATINUM 8.90 V 1 20 0 4,6,9, (800) 543-8227
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION N- VISA 8.90 V 1 25 0 N.R. (800) 768-3248
USAA SAVINGS BANK N- MASTERCARD 8.90 V 1 25 0 N.R. (800) 531-8722
AMERICAN EXPRESS CENTURION BANK N- BLUE FROM AMERICAN EXPRESS 8.99 V 1 20 0 2,3,4,5,6,9,10, (800) 528-4800
CITIBANK (BANAMEX USA) N- MASTERCARD PLATINUM 8.99 V 1 25 0 4,10, (800) 222-1234
FIFTH THIRD BANK R- PLATINUM MASTERCARD 8.99 V 2 20 0 3,4,6,8,9,10, (877) 579-5353
NATIONWIDE BANK N- AAB PLATINUM 8.99 V 1 25 0 1,2,6,7,9, (866) 757-2720
COMMUNITY FIRST BANK AR- MASTERCARD 8.99 F 0 25 50 10, (870) 391-8059
FAIRFIELD FEDERAL SAVINGS AND LOAN ASSOCIATION OF LANCASTER OH- FAIRFIELD FEDERAL VISA GOLD 9.00 V 1 25 12 10, (800) 650-0987
BB&T FINANCIAL, FSB R- VISA 9.22 V 1 25 0 3,4,5,6,9, (800) 476-4228
UMB BANK, NATIONAL ASSOCIATION N- VISA - PLATINUM 9.40 V 1 20 0 4,6,9, (800) 821-5184
AMALGAMATED BANK OF CHICAGO N- AMALGAMATED BANK OF CHICAGO - MASTER 9.50 V 1 25 0 4,5,10, (800) 365-6464
RANDOLPH NATIONAL BANK N- MASTERCARD 9.50 F 0 30 12 5,10, (802) 728-9611
1ST SUMMIT BANK PA- VISA 9.50 V 1 25 15 1,3,4,5,6,10, (888) 262-4010
RAINIER PACIFIC SAVINGS BANK N- VISA GOLD 9.75 V 1 25 0 N.R. (800) 228-2858
AMERICAN STATE BANK TX- AMERICAN STATE BANK VISA 9.90 F 0 25 0 N.R. (325) 794-1000
BANK OF LOUISIANA N- VISA AND MASTERCARD 9.90 F 0 25 0 N.R. (800) 353-6454
NORDSTROM FSB N- VISA 9.90 V 1 25 0 3,4,6,10, (800) 964-1800
BANK OF CANTON, THE MA- VISA CLASSIC 9.96 F 0 25 0 4,5,6,8,10, (781) 828-1690
FIRST SECURITY BANK AR- VISA 9.99 F 0 25 0 1,3,4,6, (501) 278-2133
M&I BANK FSB R- VISA CONSUMER 9.99 V 1 25 0 N.R. (800) 642-2657
NATIONAL CITY BANK R- EVERYDAY REWARDS VISA 9.99 V 1 20 0 1,2,3,4,6, (800) 282-7541
STATE FARM BANK, FSB N- PLATINUM REWARDS VISA 9.99 V 1 20 0 1,2,4,6,9, (877) 734-8472
WACHOVIA BANK, NATIONAL ASSOCIATION N- VISA PLATINUM WITH REWARDS 9.99 V 1 25 0 10, (800) 722-4684
WASHINGTON MUTUAL BANK N- PLATINUM MASTERCARD 9.99 V 1 25 0 10, (800) 219-6192
SIMMONS FIRST NATIONAL BANK OF PINE BLUFF N- VISA 10.0 F 0 25 0 4, (870) 272-2102
BANK OF KENTUCKY, INCORPORATED, THE R- VISA GOLD 10.3 V 1 25 0 4,9, (859) 372-5170
FIRST FINANCIAL BANK, NATIONAL ASSOCIATION R- MASTERCARD CLASSIC 10.3 V 1 25 0 N.R. (800) 221-8890
CHEMUNG CANAL TRUST COMPANY NY- VISA BUSINESS CARD 10.4 V 1 25 25 3,4,6, (607) 737-3761
LOS ALAMOS NATIONAL BANK N- VISA 10.5 F 0 25 15 N.R. (505) 662-5171
FIRST NATIONAL BANK OF IPSWICH, THE N- MASTERCARD 10.5 V 1 0 35 N.R. (800) 944-2726
INTRUST BANK, NATIONAL ASSOCIATION N- VISA PLATINUM 10.9 V 1 25 0 N.R. (800) 222-7458
PEOPLES FIRST COMMUNITY BANK FL- MASTERCARD GOLD 10.9 F 0 25 0 N.R. (800) 624-9699
FIRST NATIONAL BANK OF LITCHFIELD, THE CT- VISA CARD 10.9 F 0 25 0 N.R. (888) 567-1814
QUAD CITY BANK AND TRUST COMPANY R- VISA CLASSIC 11.0 V 1 25 0 4,6,10, (877) 954-0190
BMW BANK OF NORTH AMERICA N- VISA 11.0 V 1 22 0 1,2,3,4,6,10, (888) 269-2273
WAYNE BANK AND TRUST CO. N- PLATINUM VISA 11.0 F 0 25 0 N.R. (888) 769-2963
ROCKPORT NATIONAL BANK R- MASTERCARD 11.0 V 1 25 0 N.R. (978) 546-3411
UNITED BANK, INC. R- VISA 11.0 V 1 25 0 10, (800) 242-7600
WHITNEY NATIONAL BANK R- VISA 11.0 V 1 25 0 N.R. (504) 838-6565
RBC BANK (USA) R- VISA GOLD 11.5 V 1 25 0 2,4,6,8,9, (888) 257-6837
5STAR BANK (A COLORADO INDUSTRIAL BANK) N- 5STAR VISA PLATINUM 11.9 F 0 25 0 9, (888) 277-0444
MERCER SAVINGS BANK OH- VISA 11.9 F 0 25 20 9, (419) 586-5159
IDAHO INDEPENDENT BANK N- VISA 11.9 V 1 25 15 3,4,5,6,7, (208) 947-1168
COMMUNITY BANK & TRUST COMPANY PA- VISA 12.0 F 0 25 0 10, (800) 820-4642
CITIZENS FIRST BANK FL- VISA PLATINUM 12.0 F 0 25 0 2,4,6,10, (352) 259-3274
DOLLAR BANK, A FEDERAL SAVINGS BANK R- VALUED CUSTOMER VISA 12.0 V 1 25 0 1,6, (800) 447-2823
BANK, THE NJ- VISA 12.0 V 1 25 0 2,3,4,6, (800) 833-9295
DELAWARE NATIONAL BANK R- VISA 12.0 V 1 25 0 2,3,4,6, (800) 833-9295
FNB BANK, NATIONAL ASSOCIATION PA- VISA 12.0 V 1 25 0 2,3,4,6, (800) 833-9295
LAFAYETTE AMBASSADOR BANK PA- VISA 12.0 V 1 25 0 2,3,4,6, (717) 581-3672
TOYOTA FINANCIAL SAVINGS BANK N- LEXUS PURSUITS VISA 12.0 V 1 20 0 1,9, (888) 777-5555
OHIO VALLEY BANK COMPANY, THE R- VISA 12.0 V 1 25 15 N.R. (740) 441-9148
FIA CARD SERVICES, N.A. N- BANK OF AMERICA PLATINUM PLUS VISA 12.2 V 1 20 0 3,4,6,10, (800) 932-2775
SUNTRUST BANK R- SUNTRUST PLATINUM REWARDS VISA 12.2 V 1 20 0 3,4,6,9, (800) 477-9702
WELLS FARGO BANK, NATIONAL ASSOCIATION N- VISA 12.4 V 1 25 0 N.R. (800) 642-4720
HEARTLAND BANK OH- MASTERCARD 12.4 V 1 25 18 4,10, (800) 697-0049
HOME FEDERAL BANK OF TENNESSEE, FSB TN- VISA CLASSIC 12.8 F 0 25 15 N.R. (865) 544-3954
BANK MIDWEST, NATIONAL ASSOCIATION R- VISA CLASSIC 12.9 V 1 25 0 2,4,6, (888) 985-4575
KENTUCKY BANK KY- VISA 12.9 V 1 25 0 N.R. (859) 987-1795
TCM BANK, NATIONAL ASSOCIATION N- VISA PLATINUM 12.9 V 1 25 0 2,3,4,6,9,10, (800) 883-0131
TIB THE INDEPENDENT BANKERSBANK N- VISA AND MASTERCARD 12.9 V 1 25 0 N.R. (800) 367-7576
WELLS FARGO FINANCIAL NATIONAL BANK N- HOME PROJECTS VISA 12.9 V 1 20 0 N.R. (800) 459-8451
D. L. EVANS BANK N- VISA CLASSIC 12.9 V 1 25 20 2,3,4,5,6,8,10, (208) 678-2529
SILVERTON BANK, N.A. N- MASTERCARD 12.9 V 1 25 30 4,6, (800) 854-7642
FIRST NATIONAL BANK OF OMAHA N- VISA 13.0 V 1 20 0 1,2,3,4,6,7,9, (888) 530-3626
INFIBANK, N.A. N- VISA 13.0 V 1 20 0 1,2,3,4,5,6,7,9, (877) 875-8078
UNIVEST NATIONAL BANK AND TRUST CO. PA- VISA PLATINUM REWARDS 13.0 F 0 25 0 1, (877) 440-8873
WORLD'S FOREMOST BANK N- CABELA'S VISA CLASSIC (REWARDS) 13.0 V 1 20 0 1,6, (800) 850-8402
BANKERS' BANK OF KANSAS, NATIONAL ASSOCIATION KS- VISA 13.4 V 1 25 0 4,6, (800) 675-6284
WEST SUBURBAN BANK IL- VISA CLASSIC 13.8 V 1 25 0 N.R. (630) 652-2000
WILMINGTON TRUST COMPANY N- MASTERCARD 13.8 V 4 25 18 4,5,8,10, (800) 523-2378
NORTHWEST SAVINGS BANK R- VISA CLASSIC 13.8 F 0 25 0 3,6, (814) 728-7505
COREFIRST BANK & TRUST R- VISA CLASSIC 13.9 V 1 25 0 4,6,9, (785) 267-8900
FIRST NATIONAL BANK ALASKA AK- MASTERCARD 13.9 F 0 25 0 4, (907) 777-4523
FIRST NATIONAL BANK AND TRUST COMPANY WY- VISA CLASSIC 13.9 F 0 25 0 4, (800) 377-6906
TRUSTMARK NATIONAL BANK R- VISA 13.9 V 1 30 0 1,3,4,9, (601) 208-7685
CITY NATIONAL BANK OF TAYLOR, THE TX- VISA AND MASTERCARD 13.9 F 0 25 0 4,6, (512) 671-2221
FIRST BANK & TRUST EAST TEXAS TX- VISA CLASSIC 13.9 F 0 25 0 N.R. (888) 608-7787
FIRST NATIONAL BANK OF THE MID-CITIES N- MASTERCARD REGULAR AND GOLD 13.9 F 0 25 0 N.R. (817) 553-2513
HUNTINGTON STATE BANK TX- VISA 13.9 F 0 25 0 N.R. (936) 639-5566
TEXAS BANK AND TRUST COMPANY TX- VISA CLASSIC 13.9 F 0 25 0 N.R. (903) 237-5680
DISCOVER BANK N- DISCOVER MORE CARD (PLATINUM) 14.0 V 1 25 0 1,4,6,7,9, (800) 347-2683
YORK STATE BANK AND TRUST COMPANY N- VISA 14.0 F 0 20 0 3,4,6,9,10, (402) 362-4411
ZIONS FIRST NATIONAL BANK R- VISA CLASSIC 14.0 V 1 25 0 2,4,6,10, (888) 758-5349
FIRST-KNOX NATIONAL BANK OF MOUNT VERNON, THE OH- VISA CLASSIC 14.2 V 1 30 0 4, (740) 399-5500
FIRST COUNTY BANK CT- VISA CLASSIC 14.2 V 1 25 25 N.R. (203) 462-4200
HSBC BANK USA, NATIONAL ASSOCIATION N- MASTERCARD 14.2 V 1 20 0 3,4,5,9,10, (877) 700-4722
BAR HARBOR BANK AND TRUST COMPANY ME- VISA CLASSIC CARD 14.5 F 0 25 0 N.R. (888) 853-7100
PENN SECURITY BANK AND TRUST COMPANY N- MASTERCARD 14.8 F 0 25 0 N.R. (570) 346-7741
SOLVAY BANK NY- VISA CLASSIC 14.9 F 0 25 0 N.R. (315) 468-1661
CNB BANK N- VISA 14.9 F 0 30 15 3,4,5,6,8, (800) 492-3221
FIRSTBANK OF COLORADO R- VISA 14.9 V 1 25 0 2,4,6, (800) 964-3444
APPALACHIAN COMMUNITY BANK N- VISA CLASSIC 14.9 F 0 25 12 N.R. (706) 276-8000
FIRST NATIONAL BANK & TRUST FL- MASTERCARD 14.9 F 0 30 20 1,9, (850) 796-2020
WALLIS STATE BANK, THE TX- WALLIS STATE BANK VISA 14.9 F 0 25 0 4,5,6,8, (979) 478-6151
BARCLAYS BANK DELAWARE N- US AIRWAYS WORLD MASTERCARD 15.0 V 1 20 79 4,5,6,9,10, (866) 419-0881
AMERICAN EXPRESS BANK, FSB N- AMERICAN EXPRESS GOLD 15.0 V 1 20 95 N.R. (800) 257-0770
UNION BANK AND TRUST COMPANY R- CLASSIC VISA CREDIT CARD 15.0 V 1 25 0 10, (402) 323-1127
ADIRONDACK TRUST COMPANY, THE NY- VISA 15.0 F 0 25 15 4,6, (518) 584-5844
GE MONEY BANK N- DISCOVER CARD 15.1 V 1 0 0 N.R. (800) 417-8321
FIRST STATE BANK NM- MASTERCARD CLASSIC 15.2 F 0 25 0 4, (800) 423-7503
FIRST NATIONAL BANK OF FAIRFIELD, THE MT- VISA CLASSIC 15.6 F 0 25 0 5,7, (406) 467-2531
FIRST FINANCIAL BANK, NATIONAL ASSOCIATION R- VISA CLASSIC 15.9 F 0 25 15 4,6, (800) 511-0045
PINNACLE BANK R- VISA CLASSIC 16.0 V 9 25 0 4,5,6,10, (800) 369-7283
CITY NATIONAL BANK R- VISA BUSINESS 16.0 F 0 25 50 2,3,4,6,10, (800) 221-5920
COPPERMARK BANK R- MASTERCARD 16.2 V 1 25 15 N.R. (405) 593-1557
AMERICAN SAVINGS BANK, F.S.B. HI- CLASSIC VISA 16.3 F 0 25 24 4,6, (808) 272-2566
CITIBANK (SOUTH DAKOTA), NATIONAL ASSOCIATION N- MASTERCARD 16.5 V 1 20 0 9, (800) 950-5114
COMMERCE BANK, NATIONAL ASSOCIATION R- SPECIAL CONNECTIONS 16.5 V 1 25 0 4,6,9, (800) 645-2103
NATIONAL GRAND BANK OF MARBLEHEAD MA- MASTERCARD 16.5 F 0 25 0 N.R. (781) 631-6000
SAVINGS BANK OF MAINE ME- VISA CLASSIC 16.5 T 0 25 0 N.R. (207) 582-5550
FIRST HAWAIIAN BANK HI- MASTERCARD STANDARD 16.5 F 0 25 25 1,6,10, (800) 342-2778
VALLEY NATIONAL BANK NJ- MASTERCARD 16.8 F 0 25 0 N.R. (800) 522-4100
ARVEST BANK R- VISA 16.9 V 1 25 0 4,6,8, (800) 356-8085
SECURITY NATIONAL BANK AND TRUST COMPANY OH- CLASSIC/VISA 16.9 F 0 25 0 N.R. (937) 324-6828
HAWTHORN BANK MO- MASTERCARD 16.9 F 0 25 0 N.R. (800) 761-8362
FIRST INTERSTATE BANK R- VISA SCORECARD 17.0 V 1 25 35 4,5,6,10, (888) 791-4071
BOONE COUNTY NATIONAL BANK OF COLUMBIA, THE R- MASTERCARD/VISA 17.4 F 0 25 0 1,4,5,7,9, (800) 445-9272
CENTRAL TRUST BANK, THE R- MASTERCARD / VISA 17.4 F 0 25 0 1,4,5,7,9, (800) 445-9272
FIRST NATIONAL BANK OF ST. LOUIS R- MASTERCARD / VISA 17.4 F 0 25 0 1,4,5,7,9, (800) 445-9272
GREENVILLE NATIONAL BANK OH- GREENVILLE NATIONAL BANK VISA 17.9 F 0 25 0 N.R. (937) 548-1114
COLUMBIA RIVER BANK R- VISA CLASSIC 18.0 F 0 25 0 4,5,8,10, (541) 298-6607
PARK NATIONAL BANK, THE OH- CLASSIC VISA CARDS 18.0 F 0 25 12 N.R. (800) 762-2616
CENTRAL BANK & TRUST COMPANY KY- VISA 18.0 F 0 25 20 N.R. (800) 637-6884
WELLS FARGO FINANCIAL BANK R- VISA 18.0 V 1 25 20 N.R. (605) 336-3933
COMPASS BANK R- VISA 18.2 V 9 25 0 N.R. (800) 239-5175
NEW MILLENNIUM BANK N- VISA SECURED CREDIT CARD 19.5 F 0 0 59 2,3,4,6, (732) 729-4395
CAPITAL ONE BANK (USA), NATIONAL ASSOCIATION N- MASTERCARD 19.6 V 1 25 0 N.R. (800) 955-7070
PLAINS COMMERCE BANK N- VISA / MASTER CARD 19.8 F 0 25 39 N.R. (605) 948-2344
WORLD FINANCIAL NETWORK NATIONAL BANK N- GANDER MOUNTAIN MASTERCARD GOLD 20.0 V 1 25 0 7, (888) 332-4709
CREDIT ONE BANK, NATIONAL ASSOCIATION N- VISA 23.9 F 0 25 69 N.R. (877) 825-3242
MERRICK BANK CORPORATION N- VISA CLASSIC 24.5 V 1 25 0 N.R. (800) 253-2322

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Last update: September 25, 2008